| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | KAISER FOUNDATION HEALTH PLAN INC | $57K | $0 | $57K | 5.34% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | SUTTER HEALTH PLAN | $52K | $0 | $52K | 5.00% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | DELTA DENTAL OF CALIFORNIA | $23K | $0 | $23K | 10.50% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | WESTERN HEALTH ADVANTAGE | $8K | $0 | $8K | 4.93% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 10.01% |
| DONNA LOUISE DEVINY3 | 11148 NOATAK RIVER COURT RANCHO CORDOVA, CA 95670 | AFLAC | $6K | $331 | $6K | 11.83% |
| DEBORAH L SENN3 Filed as: DEBORAH L. SENN | 230 BRIGGS RANCH DRIVE FOLSOM, CA 95630 | AFLAC | $763 | $77 | $840 | 1.68% |
| JAMES S SARANTIS3 Filed as: JAMES S. SARANTIS | 14132 SE FIRCREST COURT PORTLAND, OR 97236 | AFLAC | $464 | $0 | $464 | 0.93% |
| R.A. STUART-GRISHAM & OTHER AGENTS3 | PO BOX 202 GARDEN VALLEY, CA 95633 | AFLAC | $446 | $0 | $446 | 0.89% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN II | 2281 LAVA RIDGE COURT, SUITE 130 ROSEVILLE, CA 95661 | AFLAC | $379 | $26 | $405 | 0.81% |
| JACE G KUERSTEN3 Filed as: JACE G. KUERSTEN | 1574 SAN FERNANDO DRIVE CORONA, CA 92882 | AFLAC | $299 | $52 | $351 | 0.70% |
| MICHELLE LAMPERT3 Filed as: MICHELLE T. DUBE | 3316 SE 3RD STREET, APARTMENT 2 POMPANO BEACH, FL 33062 | AFLAC | $224 | $0 | $224 | 0.45% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.54% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR, LL | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $184 | $0 | $184 | 0.59% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | MAGELLAN HEALTH SERVICES | $937 | $0 | $937 | 11.99% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER COMPANY | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | HEALTHIEST YOU | $995 | $0 | $995 | 14.99% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 174 | $2.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 431 | $215K |
| Vision | VISION SERVICE PLAN | 205 | $31K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $163K |
| Short-term disability | AFLAC | 39 | $50K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $113K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 174 | $2.3M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 703 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.